Most people are looking for ways to lower their auto insurance bill. While it may seem like an expense like this is set in stone, certain actions could make a difference when it comes to negotiating a lower price. Steven Hall at Farmers Insurance has provided his clients in Mountain Grove, Missouri, with reputable insurance products for years. Below he has outlined the best ways to save on the auto insurance bill. 

Top 5 Ways to Save on Your Auto Insurance Bill

Compare Quotes

Have you shopped around with different insurance providers?  Be careful though!  Oftentimes, when you check around for better “rates”, carriers will just cut your coverages to make themselves appear more competitive. So don’t make any snap decisions.  Instead, take notes and ascertain which trusted carrier is providing you the best coverage for you dollar. 

Maintain a Good Driving Record

This is a key when trying to get a good auto insurance rate. Providers choose responsible drivers who they think are worth insuring. Follow the rules of the road, adhere to the speed limit, and drive with caution. Even the tiniest fender bender can affect your positive record. 

Purchase Homeowners Insurance & Auto Insurance From the Same Provider

If an insurance provider offers multiple policy types, ask whether they offer a multi-policy discount. This type of arrangement benefits both parties: they receive the benefit of your business while you receive coverage from a trusted provider at a discount. 

Assess Whether the Deductible Amount Fits Your Lifestyle

It’s often easy to forget about which coverage you have, but driving an older car versus a brand new model makes all of the difference. If the car needs to be salvaged in the event of an accident, opt for more insurance and a lower deductible. An older model, on the other hand, would most likely be insured at cost; consider a higher deductible with a lower monthly rate. However, make sure the deductible is on hand in case of an accident. 

Request Additional Discounts

Insurance companies often reward drivers for maintaining positive attributes outside of their driving record. Speak with an insurance carrier to see if they offer discounts for good grades, degrees attained, teaching positions, or military service. You may qualify for one or more discounts that will make a difference in the auto expenses paid throughout the year.

To save on your auto insurance bill, speak with a trusted professional who can look at your situation and find the best insurance products available. Steven Hall with Farmers Insurance is on hand to assist their customers’ insurance needs. Call him today at (417) 926-7900, or visit his website for more information.